Call reports 2010
RAYNE STATE BANK & TRUST COMPANY — 2010
What RAYNE STATE BANK & TRUST COMPANY reported to the FFIEC in 2010, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Total assets | 232,988,000 | 233,980,000 | 243,610,000 | 250,173,000 |
| Total loans | 156,864,000 | 167,153,000 | 173,006,000 | 177,984,000 |
| Allowance for loan losses | 1,647,000 | 1,706,000 | 1,758,000 | 1,810,000 |
| Securities available for sale | 38,036,000 | 33,564,000 | 31,019,000 | 32,863,000 |
| Securities held to maturity | 14,067,000 | 14,288,000 | 14,751,000 | 14,443,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 206,037,000 | 201,697,000 | 214,883,000 | 221,787,000 |
| Interest-bearing deposits | 136,218,000 | 137,027,000 | 145,079,000 | 150,412,000 |
| Noninterest-bearing deposits | 69,819,000 | 64,670,000 | 69,804,000 | 71,375,000 |
| Equity capital | 22,154,000 | 22,999,000 | 23,394,000 | 23,695,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Interest income | 2,966,000 | 6,058,000 | 9,253,000 | 12,489,000 |
| Interest expense | 395,000 | 817,000 | 1,263,000 | 1,718,000 |
| Net interest income | 2,571,000 | 5,241,000 | 7,990,000 | 10,771,000 |
| Noninterest income | 419,000 | 825,000 | 1,282,000 | 1,746,000 |
| Noninterest expense | 2,041,000 | 4,051,000 | 6,063,000 | 8,127,000 |
| Provision for loan losses | 60,000 | 120,000 | 180,000 | 240,000 |
| Pretax income | 889,000 | 1,895,000 | 3,029,000 | 4,150,000 |
| Income tax | 879,000 | 879,000 | 879,000 | 879,000 |
| Net income | 10,000 | 1,016,000 | 2,150,000 | 3,271,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2010Q1 | 2010Q2 | 2010Q3 | 2010Q4 |
|---|---|---|---|---|
| Tier 1 capital | 20,997,000 | 21,558,000 | 22,187,000 | 22,808,000 |
| Total capital | 22,644,000 | 23,264,000 | 23,945,000 | 24,618,000 |
| Risk-weighted assets | 176,663,000 | 179,198,000 | 184,181,000 | 188,835,000 |